Refund Policy

This Refund Policy explains the terms and conditions under which CapitalFocus ("we," "us," "our," or "Company") provides refunds for services, products, or materials purchased through our website https://capitalfocus.org/ or through direct engagement with our team.

We are committed to client satisfaction and fair business practices. Please read this policy carefully to understand your rights and our obligations regarding refunds.

1. General Refund Principles

CapitalFocus operates primarily as a professional services firm providing strategic consulting, advisory services, frameworks, and educational resources. Given the nature of professional services and intellectual property, refund eligibility depends on several factors including service type, engagement stage, and specific circumstances.

2. Consulting and Advisory Services

2.1 Initial Consultation Refunds

We offer complimentary initial discovery calls (typically 30 minutes) at no charge. Since these consultations are provided free of charge, no refunds apply.

2.2 Fixed-Fee Project Engagements

For fixed-fee consulting projects or advisory engagements:

Before Work Commences:

• You may cancel your engagement and receive a full refund of any deposits or advance payments made if you notify us in writing at least five (5) business days before the scheduled project start date
• Cancellations made less than five (5) business days before the start date may be subject to a cancellation fee of 25% of the total project fee

After Work Commences:

• Once work has begun, refunds are calculated based on completed deliverables and time invested
• You will be charged for work completed up to the cancellation date, including research, analysis, meetings, and deliverable preparation
• Any unused portion of your payment may be refunded after deducting completed work and a reasonable administrative fee (typically 10-15%)

2.3 Retainer and Ongoing Advisory Services

For monthly retainer or ongoing advisory arrangements:

• You may cancel your retainer with thirty (30) days' written notice
• You will be charged for the current month in which notice is given plus any additional notice period
• No refunds will be provided for services already rendered during the current billing period
• Any advance payments for future months will be refunded within fifteen (15) business days of effective cancellation

2.4 Quality Guarantee

3. Digital Products and Materials

3.1 White Papers and Reports

Our white papers, reports, and similar downloadable materials are typically provided free of charge. No refunds apply to free content.

If we offer premium reports or detailed studies for purchase:

• Refunds may be requested within seven (7) days of purchase if you have not downloaded or accessed the material
• Once digital materials are downloaded or accessed, they are considered delivered and no refunds will be provided due to the nature of digital intellectual property
• Refunds will not be provided if content fails to meet subjective expectations or if you change your mind after accessing materials

3.2 Online Courses and Training

For any online courses, training programs, or educational materials we may offer:

Before Access:

• Full refunds available if you cancel enrollment at least three (3) business days before the course start date or before accessing any course materials

After Access:

• If you are dissatisfied within the first fourteen (14) days after accessing the course and have completed less than 25% of the content, you may request a refund
• We will review your request on a case-by-case basis and may offer partial refunds depending on content accessed and engagement level
• No refunds will be provided after fourteen (14) days or if you have completed more than 25% of course content

4. Events, Workshops, and Webinars

4.1 Paid Events and Workshops

If we offer paid seminars, workshops, or live events:

Cancellation by You:

• Full refund if you cancel at least thirty (30) days before the event date
• 50% refund if you cancel between fifteen (15) and twenty-nine (29) days before the event
• 25% refund if you cancel between seven (7) and fourteen (14) days before the event
• No refund for cancellations less than seven (7) days before the event
• You may transfer your registration to another person at no charge up to three (3) days before the event

Cancellation by Us:

• If we cancel or reschedule an event, you will receive a full refund or the option to transfer to a future event
• We are not responsible for travel, accommodation, or other expenses you may have incurred

4.2 Free Webinars

No refunds apply to free webinars or online presentations.

5. Non-Refundable Items and Services

The following are generally non-refundable:

• Completed Services: Any consulting, advisory, or professional services that have been fully performed and delivered
• Customized Work: Custom research, analysis, frameworks, or materials specifically developed for your organization
• Third-Party Expenses: Travel expenses, software licenses, data purchases, or other third-party costs incurred on your behalf
• Accessed Digital Content: Digital products, reports, or materials that have been downloaded, viewed, or accessed
• Past Billing Periods: Services provided and invoiced in previous billing periods
• Special Circumstances: Services provided under special pricing, promotions, or discounted rates may have different refund terms specified in your agreement

6. Refund Request Process

6.1 How to Request a Refund

To request a refund, please follow these steps:

1. Contact Us Promptly: Submit your refund request as soon as possible, within the applicable timeframes specified in this policy
2. Provide Details: Include your name, contact information, invoice or order number, service description, and reason for refund request
3. Use Official Channels: Send requests to [email protected] or use the contact form on our website
4. Allow Processing Time: We will acknowledge your request within three (3) business days and provide a decision within ten (10) business days

6.2 Required Information

Refund requests should include:

• Full name and email address associated with the purchase or engagement
• Invoice number or order confirmation
• Date of purchase or service commencement
• Detailed explanation of the reason for the refund request
• Any supporting documentation relevant to your request

6.3 Review and Decision

Upon receiving your refund request, we will:

• Review your request and any supporting documentation
• Evaluate eligibility based on this Refund Policy and your service agreement
• May contact you for additional information or clarification
• Provide a written decision regarding approval or denial
• If approved, process the refund according to the timeline specified below

7. Refund Processing

7.1 Processing Timeline

Approved refunds will be processed as follows:

• Refund decisions typically made within ten (10) business days of receiving complete request
• Approved refunds processed within fifteen (15) business days of approval
• Actual receipt of funds depends on your financial institution and payment method (typically 5-10 business days after processing)

7.2 Refund Method

Refunds will be issued using the original payment method whenever possible:

• Credit card refunds will be credited to the original card used for purchase
• Bank transfer payments will be returned via bank transfer to the originating account
• Check payments will be refunded via check mailed to the address on file
• Alternative refund methods may be arranged if the original payment method is no longer available

7.3 Partial Refunds

In some cases, partial refunds may be appropriate:

• When services have been partially completed
• When some deliverables have been provided but others remain outstanding
• When expenses have been incurred on your behalf
• As determined on a case-by-case basis based on fair and reasonable assessment

8. Special Circumstances

8.1 Force Majeure

If either party cannot fulfill obligations due to circumstances beyond reasonable control (acts of God, natural disasters, war, pandemic, government restrictions, etc.), we will work together in good faith to reschedule services or provide fair resolution, which may include refunds where appropriate.

8.2 Service Dissatisfaction

8.3 Breach of Terms

If you breach our Terms & Conditions or engage in fraudulent, abusive, or unethical behavior, we reserve the right to terminate services immediately without refund.

9. Chargebacks and Disputes

If you initiate a chargeback or payment dispute with your financial institution without first attempting to resolve the matter with us directly:

• We will provide evidence of services rendered and delivery of agreed deliverables to your financial institution
• Your access to ongoing services or future engagements may be suspended pending resolution
• If the chargeback is found in our favor, you may be liable for chargeback fees and administrative costs
• We encourage you to contact us first to resolve any concerns before initiating disputes

10. Currency and Exchange Rates

Refunds will be processed in the same currency as the original payment. If exchange rates have fluctuated between payment and refund, you will receive the refund amount in the original currency, which may result in a different value in your local currency when processed by your financial institution.

11. Taxes and Fees

Refund amounts may be subject to applicable taxes and transaction fees:

• VAT or other sales taxes included in the original payment will be refunded where applicable
• Credit card processing fees or bank transfer fees may not be refundable
• We are not responsible for fees charged by your financial institution for processing refunds

12. Modification of Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website with an updated "Last Updated" date. Your continued engagement with our services following any changes constitutes acceptance of the modified policy.

For existing service agreements, the Refund Policy in effect at the time of your agreement execution will apply unless otherwise specified in your service contract.

13. Governing Law

This Refund Policy shall be governed by and construed in accordance with the laws of France. Any disputes arising from refund requests or this policy shall be resolved in accordance with the dispute resolution provisions in our Terms & Conditions.

14. Contact Information

15. Acknowledgment

By purchasing services or products from CapitalFocus, you acknowledge that you have read, understood, and agree to this Refund Policy. If you have questions or concerns about refund eligibility before making a purchase or engagement, please contact us for clarification.